Updated September 28, 2026 · AssureCue Editorial Team
Nationale-Nederlanden life PL vs Principal
Where Nationale-Nederlanden life PL and Principal differ
| Compare | Nationale-Nederlanden life PL ReviewSee alternativesSee alternatives |  Principal |
|---|---|---|
| Insurance types | Life, Health, Critical illness, Income protection, Home, Renters, Travel | Dental, Life, Critical illness, Income protection |
| Cover limit | up to over PLN 1,000,000 | Dental annual maximum typically $1,000 to $2,000 per year |
| Claims channels | Online claim form, Customer zone Moje NN, Advisor or branch, Infoline, E delivery | Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims |
| Age range | 3 months to 71 years | Member, spouse and dependents to age 26 |
| Premium from | PLN 39 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Principal scores higher overall: 9.5 vs 9.3.
- Founded is lower at Principal: 1879 vs 1994.
- Insurance types: only Nationale-Nederlanden life PL offers Health, Home, Renters.
- Insurance types: only Principal offers Dental.
- Claims channels: only Nationale-Nederlanden life PL offers Online claim form, Customer zone Moje NN, Advisor or branch.
- Claims channels: only Principal offers Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims.
- Support channels: only Principal offers Email.
Our verdict on each
Nationale-Nederlanden life PL
Nationale-Nederlanden life PL suits Polish households and individuals who want protection cover from a long-standing insurer rather than a broker. Life cover limits are listed as up to over PLN 1,000,000, the company has traded since 1994, and claims can be started online, in the customer zone or with an advisor.
Principal
Principal suits anyone whose cover comes through work and who wants dental cover alongside life, critical illness and income protection from the same insurer. It has traded as an insurer since 1879, claims can be filed by the dentist, and dental benefits cap at Dental annual maximum typically $1,000 to $2,000 per year.
Score breakdown
| Area | Nationale-Nederlanden life PL | Principal |
|---|---|---|
| Cost | 9.0 | Not confirmed |
| Offer | 9.3Higher | 9.1 |
| Trust | 9.4 | 9.7Higher |
How they place
| Ranking | Nationale-Nederlanden life PL | Principal |
|---|---|---|
| Life insurance | 78 of 263 | 42 of 263 |
| Health insurance | 67 of 216 | 38 of 216 |
| Income protection insurance | 30 of 92 | 10 of 92 |
| Critical illness cover | 21 of 65 | 11 of 65 |
What each covers
| Insurance types | Nationale-Nederlanden life PL | Principal |
|---|---|---|
| Home | Yes | No |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Dental | No | Yes |
| Critical illness | Yes | Yes |
| Income protection | Yes | Yes |
Availability and regulation
| Country | Nationale-Nederlanden life PL | Principal |
|---|---|---|
| Poland | Not confirmed | |
| United States | Not confirmed |
Additional countries for Nationale-Nederlanden life PL: 1. Additional countries for Principal: 1.
Sources behind this comparison
Nationale-Nederlanden life PL
- nn.pl: 12 facts, checked September 26, 2026
Principal
- principal.com: 8 facts, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Nationale-Nederlanden life PL | Principal |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Nationale-Nederlanden Towarzystwo Ubezpieczen na Zycie S.A. | Principal Life Insurance Company |
| Headquarters | Poland | United States |
| Founded | 1994 | 1879Lower |
| Support channels | Phone, Help centre | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Nationale-Nederlanden life PL | Principal | Median |
|---|---|---|---|
| Premium from | PLN 39below the median | Not confirmed | PLN 150 |
Median across 5 listed insurance providers.
Pros and cons
Nationale-Nederlanden life PL
Pros
- Monthly payments are available, so the premium is spread through the year rather than settled at the start.
- The range runs from life and health cover to home, renters and travel, as set out under life, health and critical illness.
- Claims can be started through online claim form, customer zone Moje NN and advisor or branch, so a claim does not have to go through a single channel.
Cons
- The starting premium of PLN 39 sits well above the middle of the site range, and the brand ranks 134 of 252 on starting premium.
- Support runs on phone and help centre only, so day-to-day help is limited to phone and the help centre.
- The payment model is monthly, with no annual or single payment option listed.
Principal
Pros
- Cover spans dental, life and critical illness, so dental sits with life, critical illness and income protection under the same carrier.
- Dentists file on the member's behalf as the preferred route, listed in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- Support runs on phone, email and help centre, so a phone line and a help centre back the plan.
Cons
- Cover is limited to Member, spouse and dependents to age 26, so it ends when a dependent leaves that band.
- Dental benefits stop at Dental annual maximum typically $1,000 to $2,000 per year, leaving heavy treatment years to the member's own pocket.
- Support runs on phone, email and help centre only, with no live chat or branch counter listed.
Who each suits
Nationale-Nederlanden life PL
Who it suits
- People in Poland who want personal and property cover from a direct insurer headquartered in Poland.
- Families from a newborn's first months to later life, since entry ages run 3 months to 71 years.
- Anyone who wants a named counterparty: the legal entity is Nationale-Nederlanden Towarzystwo Ubezpieczen na Zycie S.A., supervised in Poland by the Komisja Nadzoru Finansowego (KNF).
Who should look elsewhere
- Hiscox UK, whose lines listed under home, renters and landlord are built around home, renters, landlord, auto and home emergency rather than life and health.
- Good Sam Insurance Agency, which also covers pet and motorcycle under auto, home and renters and suits readers who want those lines.
- Euroasia Insurance, quoted from UZS 60,000, if you are weighing cover outside Poland in a different market and currency.
Principal
Who it suits
- Members on an employer benefits package who want dental cover alongside life, critical illness or income protection.
- Households happy to let the dentist file, the preferred route in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- US employees and their families, since the insurer is based in the United States.
Who should look elsewhere
- Linxea, whose list is life, leaves a member who wants dental without a dental line.
- Oney, which lists health, life and gadget and adds gadget cover rather than employer benefits.
- Good Sam Insurance Agency, whose auto, home and renters spread suits someone bundling home, auto and pet cover.
Country by country
| Country | Nationale-Nederlanden life PL | Principal |
|---|---|---|
| Poland | Yes | No |
| United States | No | Yes |
Questions about each
Nationale-Nederlanden life PL
What is the starting premium?+
Policies start at PLN 39 with monthly payments available. The brand ranks 134 of 252 on starting premium, and the middle of the site range sits at €8.37, so the entry price is toward the dearer end of the market shown.
Who regulates this insurer?+
Nationale-Nederlanden life PL is an insurer, not a broker, and it is supervised in Poland by the Komisja Nadzoru Finansowego (KNF). The legal entity named is Nationale-Nederlanden Towarzystwo Ubezpieczen na Zycie S.A., which has traded since 1994.
Principal
What kinds of cover does Principal write?+
Principal's listed lines are dental, life and critical illness. Dental is usually reached through a workplace benefits package, while life, critical illness and income protection sit alongside it under the same carrier. The type list shows quickly whether the whole package comes from the same provider.
How much does the dental plan pay out each year?+
The published dental annual maximum typically sits at Dental annual maximum typically $1,000 to $2,000 per year, so that cap is the figure to plan around. Budgeting for crowns, bridges or other restorative work means checking your share once the maximum is reached. The figure sits inside a typical range, so plans within the same group can differ.
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